DNB Bank ASA Cash Flow Statement

Financials in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Change in Loans Held-for-Sale	-	-	-13,895	-108,632	-58,083
Other Adjustments	-65,598	2,814	55,412	1,769,920	-7,119
Changes in Trading Assets	22,191	13,495	-52,503	-55,399	-42,985
Changes in Accrued Interest and Accounts Receivable	177,450	192,969	167,840	85,152	55,866
Changes in Accounts Payable	-	-	6,476	57,382	143,754
Changes in Accrued Expenses	-108,578	-118,200	-94,298	-29,465	-3,475
Changes in Other Operating Activities	47,125	-247,523	-64,908	22,547	-45,350
Operating Cash Flow	72,590	-156,444	4,124	8,952	41,585
Operating Cash Flow Growth	-	-	-53.93%	-78.47%	-50.83%
Net Change in Securities and Investments	-15,308	175	-290	-9,081	-627
Capital Expenditures	-2,662	-2,677	-4,081	-3,513	-4,486
Other Investing Activities	2,471	1,621	2,614	4,946	719
Investing Cash Flow	-15,499	-880	-1,756	-7,649	-4,393
Long-Term Debt Issued	24,345	13,197	46,473	34,811	3,240,150
Long-Term Debt Repaid	-26,949	-7,141	-10,110	-10,767	-3,215,960
Net Long-Term Debt Issued (Repaid)	-2,604	6,056	36,363	24,044	24,188
Repurchase of Common Stock	-5,527	-7,101	-6,915	-15	20
Net Common Stock Issued (Repurchased)	-5,527	-7,101	-6,915	-15	20
Issuance of Preferred Stock	1,850	10,524	5,829	-	-
Net Preferred Stock Issued (Repurchased)	1,850	10,524	5,829	-	-
Common Dividends Paid	-24,835	-24,153	-19,316	-15,116	-26,976
Preferred Share Dividends Paid	-1,592	-1,866	-	-	-
Other Financing Activities	-1,165	-13,037	-559	-629	-10,650
Financing Cash Flow	-33,874	-29,575	14,176	5,481	-15,744
Effect of Exchange Rate Changes on Cash and Cash Equivalents	-1,282	3,559	1,913	2,603	-2,805
Net Cash Flow	21,936	-183,340	36,916	9,387	18,643
Free Cash Flow	69,928	-159,121	43	5,439	37,099
Free Cash Flow Growth	-	-	-99.21%	-85.34%	-54.05%
FCF Margin	79.58%	-186.49%	0.05%	8.19%	65.43%
Free Cash Flow Per Share	47.43	-106.42	0.03	3.51	23.93
Levered Free Cash Flow	174,866	-112,010	33,055	133,335	151,919
Unlevered Free Cash Flow	135,526	-161,936	-41,474	76,704	103,324

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.